# 割賦販売法 / Installment Sales Act — 第三十五条の三の四十三 (Article 35-3-43) This is the Markdown twin of https://japanlaw.org/en/installment-sales-act/art-35-3-43. Every law, and how to address a provision: https://japanlaw.org/llms.txt. The same laws as MCP tools (no sign-in): https://japanlaw.org/mcp. - Law: 割賦販売法 (Installment Sales Act), 昭和三十六年法律第百五十九号 - English title "Installment Sales Act": Ministry of Justice translation - Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say. - Provision: 第三十五条の三の四十三 (Article 35-3-43)（業務規程の認可） — address `art-35-3-43` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/en/installment-sales-act/art-35-3-43 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/336AC0000000159/art-35-3-43 - Every provision below carries its address and both URLs on the line under it. - Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below. Only the Japanese as published by the government has legal effect; the text below is a copy of it. Every English rendering below is a translation and says which kind: the Ministry of Justice's translation, or this site's machine translation, whose model and date the Sources list names. They are never merged and never substituted for one another. --- ### 第三十五条の三の四十三（業務規程の認可） — (Approval of the Operational Rules) caption: Ministry of Justice translation — Japanese Law Translation Database System art-35-3-43 · https://japanlaw.org/en/installment-sales-act/art-35-3-43 · https://japanlaw.org/l/336AC0000000159/art-35-3-43 **第一項** 指定信用情報機関は、特定信用情報提供等業務に係る次に掲げる事項に関する業務規程を定め、経済産業大臣の認可を受けなければならない。これを変更しようとするときも、同様とする。 art-35-3-43/par-1 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1 A designated credit bureau must establish operational rules in respect of the following matters relevant to its specified credit information services, and obtain the approval of the Minister of Economy, Trade and Industry for those. The same applies if it seeks to change these: Ministry of Justice translation — Japanese Law Translation Database System **一** 包括信用購入あつせん業者又は個別信用購入あつせん業者との特定信用情報の提供を内容とする契約（以下「特定信用情報提供契約」という。）の締結に関する事項 art-35-3-43/par-1/item-1 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-1 matters relevant to the conclusion of contracts with comprehensive credit purchase intermediaries or individual credit purchase intermediaries, under which it will provide specified credit information (referred to below as a "specified credit information service contract"); Ministry of Justice translation — Japanese Law Translation Database System **二** 特定信用情報の収集及び提供に関する事項 art-35-3-43/par-1/item-2 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-2 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-2 matters relevant to the collection and provision of specified credit information; Ministry of Justice translation — Japanese Law Translation Database System **三** 特定信用情報の漏えい、滅失又はき損の防止その他の特定信用情報の安全管理に関する事項 art-35-3-43/par-1/item-3 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-3 matters relevant to the prevention of the inappropriate disclosure, loss or damage of specified credit information and other matters relevant to the secure management of specified credit information; Ministry of Justice translation — Japanese Law Translation Database System **四** 特定信用情報の正確性の確保に関する事項 art-35-3-43/par-1/item-4 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-4 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-4 matters relevant to ensuring the accuracy of the specified credit information; Ministry of Justice translation — Japanese Law Translation Database System **五** 料金に関する事項 art-35-3-43/par-1/item-5 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-5 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-5 matters of fees; Ministry of Justice translation — Japanese Law Translation Database System **六** 他の指定信用情報機関があるときは、当該他の指定信用情報機関に対する基礎特定信用情報（特定信用情報のうち、包括信用購入あつせん関係受領契約又は個別信用購入あつせん関係受領契約に係る第三十五条の三の五十六第一項各号に掲げる事項に係る情報をいう。以下同じ。）の提供に関する事項その他の当該他の指定信用情報機関との特定信用情報提供等業務の連携に関する事項（第三十五条の三の四十七第二項の規定により手数料を徴収する場合にあつては、当該手数料に関する事項を含む。） art-35-3-43/par-1/item-6 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-6 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-6 if there are other designated credit bureaus, matters relevant to the provision of basic specified credit information (meaning specified credit information with respect to the matters stated in the items of Article 35-3-56, paragraph (1) in connection with contracts providing the receipt of monies subject to the intermediation of comprehensive credit purchases and contracts providing the receipt of monies subject to the intermediation of individual credit purchases; the same applies below) to those other designated credit bureaus, and matters relevant to the coordination of specified credit information services with those other designated credit bureaus (if fees are collected pursuant to the provisions of Article 35-3-47, paragraph (2), including the matters of those fees); Ministry of Justice translation — Japanese Law Translation Database System **七** 特定信用情報提供契約を締結した相手方である包括信用購入あつせん業者（以下「加入包括信用購入あつせん業者」という。）又は特定信用情報提供契約を締結した相手方である個別信用購入あつせん業者（以下「加入個別信用購入あつせん業者」という。）に対する監督に関する事項 art-35-3-43/par-1/item-7 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-7 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-7 matters relevant to the supervision of comprehensive credit purchase intermediaries that are the other parties to specified credit information service contracts (referred to below as a "participating comprehensive credit purchase intermediary") or individual credit purchase intermediaries that are the other parties to specified credit information service contracts (referred to below as a "participating individual credit purchase intermediary"); Ministry of Justice translation with a slip corrected by this site — not the Ministry's text; the Ministry printed: "matters relevant to the supervision of comprehensive credit purchase intermediaries that are the other parties to specified credit information service contracts (referred to below as an "participating comprehensive credit purchase intermediary") or individual credit purchase intermediaries that are the other parties to specified credit information service contracts (referred to below as an "participating individual credit purchase intermediary");" — https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb **八** 特定信用情報提供等業務の一部を他の者に委託する場合におけるその委託した業務の適正かつ確実な遂行を確保するための措置に関する事項 art-35-3-43/par-1/item-8 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-8 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-8 matters relevant to measures for ensuring the proper and reliable performance of entrusted services if it entrusts another person with part of the specified credit information services; Ministry of Justice translation — Japanese Law Translation Database System **九** 苦情の処理に関する事項 art-35-3-43/par-1/item-9 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-9 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-9 matters relevant to the processing of complaints; and Ministry of Justice translation — Japanese Law Translation Database System **十** 前各号に掲げるもののほか、特定信用情報提供等業務の実施に必要な事項として経済産業省令で定める事項 art-35-3-43/par-1/item-10 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-10 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-10 matters specified by Order of the Ministry of Economy, Trade and Industry as necessary for executing specified credit information services, beyond what is stated in the preceding items. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 前項第二号に掲げる事項に関する業務規程は、次に掲げる事項を内容とするものでなければならない。 art-35-3-43/par-2 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-2 The operational rules in respect of the matters stated in item (ii) of the preceding paragraph must have the following matters among their contents: Ministry of Justice translation — Japanese Law Translation Database System **一** 加入包括信用購入あつせん業者又は加入個別信用購入あつせん業者から利用者又は購入者若しくは役務の提供を受ける者に係る特定信用情報の提供を依頼された場合には、当該利用者又は購入者若しくは役務の提供を受ける者に係るすべての特定信用情報を提供すること。 art-35-3-43/par-2/item-1 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-2/item-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-2/item-1 that it provides all specified credit information on the relevant user, purchaser, or service recipient when a participating comprehensive credit purchase intermediary or participating individual credit purchase intermediary requests it to provide specified credit information on a user, purchaser, or service recipient; and Ministry of Justice translation — Japanese Law Translation Database System **二** 加入包括信用購入あつせん業者又は加入個別信用購入あつせん業者から、その保有する基礎特定信用情報について、購入者又は役務の提供を受ける者ごとに当該購入者又は当該役務の提供を受ける者に係るすべての基礎特定信用情報の提供を受けること。 art-35-3-43/par-2/item-2 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-2/item-2 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-2/item-2 that it receives all basic specified credit information on each purchaser or service recipient from a participating comprehensive credit purchase intermediary or participating individual credit purchase intermediary, which that intermediary has on the relevant purchaser or service recipient. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 第一項第五号に掲げる事項に関する業務規程は、特定信用情報提供等業務に関する料金が能率的な業務運営の下における適正な原価に照らし公正妥当なものであることを内容とするものでなければならない。 art-35-3-43/par-3 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-3 The operational rules in respect of the matters stated in paragraph (1), item (v) must have among their contents that the fees for specified credit information services be equitable and appropriate in light of the reasonable costs incurred in the efficient operation of business. Ministry of Justice translation — Japanese Law Translation Database System **第四項** 経済産業大臣は、第一項の認可をした業務規程が特定信用情報提供等業務の適正かつ確実な実施上不適当となつたと認めるときは、指定信用情報機関に対し、その業務規程を変更すべきことを命ずることができる。 art-35-3-43/par-4 · https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-4 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-4 If operational rules that the Minister of Economy, Trade and Industry has approved as referred to in paragraph (1) are found to have become inappropriate in terms of the proper and reliable performance of specified credit information services, the minister may order the designated credit bureau to change those operational rules. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-35-3-43/par-1/item-6: 第三十五条の三の五十六第一項 → 割賦販売法 第三十五条の三の五十六第一項 (Article 35-3-56, paragraph (1)), art-35-3-56/par-1 — https://japanlaw.org/en/installment-sales-act/art-35-3-56/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-56/par-1 - art-35-3-43/par-1/item-6: 第三十五条の三の四十七第二項 → 割賦販売法 第三十五条の三の四十七第二項 (Article 35-3-47, paragraph (2)), art-35-3-47/par-2 — https://japanlaw.org/en/installment-sales-act/art-35-3-47/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-3-47/par-2 - art-35-3-43/par-1/item-10: 前各号 → 割賦販売法 第三十五条の三の四十三第一項第一号 (Article 35-3-43, paragraph (1), item (i)), art-35-3-43/par-1/item-1 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-1 - art-35-3-43/par-1/item-10: 前各号 → 割賦販売法 第三十五条の三の四十三第一項第二号 (Article 35-3-43, paragraph (1), item (ii)), art-35-3-43/par-1/item-2 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-2 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-2 - art-35-3-43/par-1/item-10: 前各号 → 割賦販売法 第三十五条の三の四十三第一項第三号 (Article 35-3-43, paragraph (1), item (iii)), art-35-3-43/par-1/item-3 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-3 - art-35-3-43/par-1/item-10: 前各号 → 割賦販売法 第三十五条の三の四十三第一項第四号 (Article 35-3-43, paragraph (1), item (iv)), art-35-3-43/par-1/item-4 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-4 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-4 - art-35-3-43/par-1/item-10: 前各号 → 割賦販売法 第三十五条の三の四十三第一項第五号 (Article 35-3-43, paragraph (1), item (v)), art-35-3-43/par-1/item-5 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-5 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-5 - art-35-3-43/par-1/item-10: 前各号 → 割賦販売法 第三十五条の三の四十三第一項第六号 (Article 35-3-43, paragraph (1), item (vi)), art-35-3-43/par-1/item-6 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-6 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-6 - art-35-3-43/par-1/item-10: 前各号 → 割賦販売法 第三十五条の三の四十三第一項第七号 (Article 35-3-43, paragraph (1), item (vii)), art-35-3-43/par-1/item-7 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-7 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-7 - art-35-3-43/par-1/item-10: 前各号 → 割賦販売法 第三十五条の三の四十三第一項第八号 (Article 35-3-43, paragraph (1), item (viii)), art-35-3-43/par-1/item-8 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-8 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-8 - art-35-3-43/par-1/item-10: 前各号 → 割賦販売法 第三十五条の三の四十三第一項第九号 (Article 35-3-43, paragraph (1), item (ix)), art-35-3-43/par-1/item-9 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-9 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-9 - art-35-3-43/par-2: 前項第二号 → 割賦販売法 第三十五条の三の四十三第一項第二号 (Article 35-3-43, paragraph (1), item (ii)), art-35-3-43/par-1/item-2 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-2 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-2 - art-35-3-43/par-3: 第一項第五号 → 割賦販売法 第三十五条の三の四十三第一項第五号 (Article 35-3-43, paragraph (1), item (v)), art-35-3-43/par-1/item-5 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-5 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-5 - art-35-3-43/par-4: 第一項 → 割賦販売法 第三十五条の三の四十三第一項 (Article 35-3-43, paragraph (1)), art-35-3-43/par-1 — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1 ## Cited by 5 provisions cite this one. No official source publishes this direction. - 割賦販売法 第三十五条の三の四十三第一項第十号（業務規程の認可） — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-1/item-10 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-1/item-10 - 割賦販売法 第三十五条の三の四十三第二項（業務規程の認可） — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-2 - 割賦販売法 第三十五条の三の四十三第三項（業務規程の認可） — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-3 - 割賦販売法 第三十五条の三の四十三第四項（業務規程の認可） — https://japanlaw.org/en/installment-sales-act/art-35-3-43/par-4 · https://japanlaw.org/l/336AC0000000159/art-35-3-43/par-4 - 割賦販売法 第五十二条第一項第六号 — https://japanlaw.org/en/installment-sales-act/art-52/par-1/item-6 · https://japanlaw.org/l/336AC0000000159/art-52/par-1/item-6 --- ## Sources - claude-opus-5-5 — Corrections to the Ministry of Justice's English of the Installment Sales Act, written 2026-11-03 - e-Gov 法令検索, Digital Agency (デジタル庁) — 割賦販売法 — the text in force from 2025-06-01 (https://laws.e-gov.go.jp/law/336AC0000000159/20250601_504AC0000000068), retrieved 2026-11-02 - Japanese Law Translation Database System, Ministry of Justice (法務省) — Installment Sales Act (割賦販売法), Article 35-3-43, paragraph (1), item (vii) — the Ministry of Justice's English as printed (https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb), retrieved 2026-11-02 - Japanese Law Translation Database System, Ministry of Justice (法務省) — Installment Sales Act — Ministry of Justice translation (https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb), retrieved 2026-11-02 - This site's parser, version 220 — 割賦販売法 — structure, counts, cross-references and defined terms, computed 2026-11-02